well i'm not entirely screwed. i'm a second year now for one reason. so hopefully i can raise it.
I mentioned this in a previous post somewhere, but many programs place particular (some even exclusive) emphasis on the GPA of your junior and senior years realizing that not every 18- and 19-year-old has the maturity to excel in college fresh out of high school. After all, you'd expect that psychology programs would best understand normal developmental changes.
If your last 60 credits are much stronger than the first 60, this is something to take note of in your application; that is, if you're still feeling defensive about your GPA. Also, your last 60 credits will, naturally, have more upper level courses which will demonstrate your ability to handle graduate level work.
You might also investigate taking a few graduate level courses while you're still an undergraduate. Many schools will allow you to do this with permission. If you're good at math, knocking out a few grad level statistics courses would look impressive plus you could transfer the credits which would lighten your load once you start up.
Another plus in your favor: you're a guy (right?). Have you noticed the male:female ratio of grad psych students? I think it's as high as 75% female. Many more women than men apply. If you aren't already a member of a minority population, by virtue of your gender you will be when you apply.
Assuming your numbers are at least competitive, the most compelling part of your application will be your personal statement. If by the time you apply you're fortunate to have identified specific areas of interest and a strong vision of what you want to do and how you're going to achieve your ambitions, you will be WAY ahead of the curve. It's the narrative, stupid! Make sure you smell like a winner (but be humble).